- What is the timeline for a cash home sale?
- Most Premium Cash Buyers transactions close in 14 to 30 days from the date you accept our offer. Foreclosure and other emergency cases can be closed as fast as 7 days when title work permits. The 14-30 day window allows time for title searches, lien resolution, document preparation, and closing coordination with a local title company. If you need more time — to find a new place, finish a school year, or coordinate a move — you pick the closing date and we build the timeline around it. Indiana's judicial foreclosure takes 150-200 days from notice to sheriff sale, which often leaves enough runway even for late-stage cases in Marion County and surrounding areas. Compared to traditional listings averaging 45-90 days on market plus 30-45 days to close (National Association of Realtors, 2025), our cash process eliminates bank approvals, appraisals, and financing contingencies that delay or kill deals. We serve Indiana, Ohio, Wisconsin, Tennessee, and Georgia.
- Can I sell a house that needs major repairs?
- Yes — Premium Cash Buyers purchases homes in any condition with no repairs or cleanup required from the seller. That includes leaking roofs, failing electrical, foundation cracks, mold, fire or water damage, hoarder properties, and homes that would fail a standard inspection. We also buy properties with active code violations and unpermitted additions; we handle remediation after closing at our cost. There is no requirement to paint, stage, clean, or remove personal items — take what you want and we manage the rest. In Georgia, red clay soil routinely causes foundation issues costing $5,000 to $30,000 to remediate, making as-is cash purchases especially practical there. This is one of the most common reasons homeowners across Indiana, Ohio, Wisconsin, Tennessee, and Georgia choose us over a traditional listing that demands thousands of dollars in pre-sale repairs.
- Are there any fees, commissions, or closing costs?
- No. The cash offer amount you accept is the exact amount you receive at closing — Premium Cash Buyers charges zero seller fees, zero commissions, and pays all standard closing costs. We cover title insurance, escrow fees, transfer taxes, and recording fees. By comparison, traditional sales include a 5-6% agent commission (NAR, 2025) plus 2-3% in seller closing costs, which on a $200,000 home reduces seller proceeds by roughly $14,000-$18,000. Our written offer includes a full breakdown so you can verify the math against any agent estimate. Tennessee and Ohio have distinct county-level transfer tax structures that we handle as part of our standard closing process at no extra charge to you. The only standard deductions at closing are payoffs you must satisfy to deliver clear title (mortgage balance, property tax arrears, judgment liens).
- What if I'm in foreclosure or behind on payments?
- Yes — Premium Cash Buyers regularly purchases homes before scheduled foreclosure auctions, often closing in as fast as 7 days when title work permits. Selling before the auction allows you to avoid the credit damage of a completed foreclosure, which can lower a FICO score by 100-160 points and affect mortgage eligibility for up to 7 years under federal lending guidelines. We work directly with your lender and title company to pay off the outstanding loan balance at closing; any equity above what you owe goes to you. The earlier you reach out, the more options we have. Georgia's non-judicial foreclosure timeline under O.C.G.A. § 44-14-162 can move from notice to sheriff sale in as few as 35 days, making early contact especially critical there. We have also closed deals after a notice of default or scheduled sheriff sale. There is no fee to find out where you stand.
- Do you work with inherited properties or probate cases?
- Yes — Premium Cash Buyers buys inherited homes including properties still in active probate. We work directly with your probate attorney, or recommend one, to ensure the sale complies with the court requirements in your jurisdiction (typical probate timelines: 6-9 months in Indiana, 6-12 months in Ohio, 6-12 months in Wisconsin, 4-6 months in Tennessee, 6-12 months in Georgia). Our team coordinates with the title company and handles all closing logistics, including securing the property and managing any cleanup. We routinely structure deals for multiple beneficiaries who need proceeds split per the will or intestate succession. Marion County, Indiana and Cuyahoga County, Ohio probate courts both require court confirmation before closing, steps our team manages on your behalf. Inherited homes typically come with carrying costs — property taxes, insurance, maintenance, liability — and a fast cash sale stops those costs the day we close.
- What areas do you buy houses in?
- Premium Cash Buyers operates in five states across more than 100 cities. Indiana: Indianapolis, Fort Wayne, Evansville, South Bend, and 17 more cities. Ohio: Columbus, Cleveland, Cincinnati, Toledo, and 17 more. Wisconsin: Milwaukee, Madison, Green Bay, and 18 more. Tennessee: Memphis, Nashville, Knoxville, Chattanooga, and 16 more. Georgia: Atlanta, Savannah, Augusta, and 17 more. Each state has a dedicated local team familiar with county transfer taxes, foreclosure procedures, and closing customs specific to that market. Indiana uses a judicial foreclosure process averaging 150-200 days, while Georgia's non-judicial process under O.C.G.A. § 44-14-162 can complete in as few as 35 days — our teams navigate both timelines routinely. If your city is not listed on our locations pages, contact us anyway — coverage extends to surrounding metros and counties even when individual cities lack a dedicated landing page.
- Can I still sell if my house is in bad shape or has code violations?
- Yes — Premium Cash Buyers specializes in distressed properties that traditional buyers and financed-buyer agents walk away from. We handle structural issues, roof damage, mold, foundation problems, water and fire damage, unpermitted additions, and active municipal code violations. There is no inspection to pass, no repair negotiation, no appraisal contingency. We absorb the cost of any remediation, code compliance work, or full renovation after closing. Milwaukee, Racine, and Kenosha in Wisconsin require point-of-sale inspections or escrow holdbacks for code repairs on residential transfers; our Wisconsin team handles those municipality-specific requirements as a standard part of closing. The reason we can close on these properties is simple: we use our own capital, not buyer financing. Most lenders refuse to finance homes with major condition issues, which is why traditional listings on these properties stall for months — but our offers do not depend on lender approval.
- How do I know I can trust your company?
- Premium Cash Buyers is the trade name of Grand Capital, LLC, a Maryland-registered company operating since 2021 with verifiable signals you can check before talking to us: a verifiable Google Business Profile under Grand Capital, LLC, a registered Maryland LLC under Grand Capital, named acquisitions team with verifiable LinkedIn profiles, and a public <a href="/disclosures">seller disclosures page</a> covering proof of funds, earnest money, contract assignment, and your right to independent counsel. Our written offers include a full breakdown of comparables and repair estimates so you can verify the math. We provide proof of funds on request before you sign anything. Per CFPB guidance under 12 CFR § 1024, borrowers in default have federally protected loss-mitigation review rights — we work within those timelines and never pressure sellers to waive any protections. If you find a better offer elsewhere, we encourage you to take it — we earn business through fair dealing, not pressure.
- What happens after I accept the cash offer?
- After you accept, Premium Cash Buyers opens escrow with a reputable local title company within 1 business day and begins handling title searches, lien resolution, and closing paperwork. You choose the closing date — as early as 7 days for foreclosure cases, or as far out as several months if you need to plan a move. During the closing window you do nothing except review documents and show up to sign. Most sellers receive payment by wire or cashier check on the closing date itself, with funds typically reaching your account within 14 to 30 days of acceptance. Tennessee non-judicial foreclosures require 20 days of published notice before trustee sale, meaning sellers who contact us before that notice expires still have a full cash-sale window available to them. Between January 2023 and December 2025, more than 98% of accepted Premium Cash Buyers offers closed at the originally agreed price (internal closing records — see methodology in our <a href="/disclosures#closing-rate">seller disclosures</a>).
- What types of homes do you buy?
- Premium Cash Buyers buys virtually every type of residential property: single-family homes, townhouses, condos, duplexes, multi-family buildings up to 4 units, manufactured homes on owned land, and vacant land. Condition is irrelevant — tenant-occupied, vacant, inherited, fire- or water-damaged, hoarded, or simply unwanted properties all qualify. We also handle complications most buyers refuse: existing mortgages, tax liens, code violations, title clouds, partial heir consent in probate, and properties tied up in litigation we can verify will resolve at closing. Fulton County, Georgia properties with red clay foundation issues ($5,000-$30,000 repair range) and Cuyahoga County, Ohio properties caught in reassessment cycles are among the distressed situations we regularly purchase without requiring seller remediation. The fastest way to confirm whether we will buy your specific property is to submit details through our form or call (901) 910-0101 — there is no cost or obligation to get a yes/no answer.
- Is there any obligation if I request an offer?
- No — Premium Cash Buyers offers are 100% free and non-binding at every stage. You receive a written offer with a full breakdown of how we calculated the amount and you take as much time as you need to consider it. There is no expiration date forcing a rushed decision, no exclusivity agreement preventing you from getting other offers, and no cancellation fee if you decline. If you walk away, we close your file the same day with no penalty and no follow-up pressure. Under the federal Dodd-Frank Act, mortgage servicers must allow a 120-day waiting period before initiating foreclosure — if you are behind on payments, that window often leaves room to evaluate a cash sale alongside other options. Many sellers use our offer as a benchmark when evaluating a traditional listing — we welcome that comparison and encourage you to make whatever choice nets you the best outcome.
- Can you work with my timeline if I am not ready to move yet?
- Yes — Premium Cash Buyers builds the entire closing timeline around your schedule. You choose the date, whether that is 7 days out for an emergency or 60-90 days out so you can find a new home, finish a school year, or coordinate with family. You can continue living in the home through the chosen closing date. In specific situations, we offer post-closing rent-back arrangements where you stay in the property for 7-30 days after closing — useful if you need cash from the sale to secure your next home. Wisconsin's 6-12 month judicial foreclosure redemption period and Indiana's 150-200 day judicial timeline both provide meaningful windows for sellers to close without panic-selling below value. The closing date is locked into the purchase agreement so there is no risk of slippage on our side; the only thing that can extend the date is a delay in title work or a payoff you specifically request.